Amtrak Guest Rewards Mastercard
By Alex Compton · Last verified
A free way to keep Amtrak points alive and earn 2x on dining.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 12,000 | $1,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2023-09 | 12,000 | $1,000 in 3 mo | Earliest recordPost-refresh standard offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 2xAmtrak travel and onboard purchases
- 2xDining
- 1xEverything else
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦5% points rebate on Amtrak redemptions
- ✦10% back on onboard food and beverage purchases
- ✦Keeps Amtrak Guest Rewards points from expiring
Why it earns its spot
- +No annual fee for a 2.5-cent currency
- +12,000 points is roughly $300 of Amtrak travel for $1,000 spend
Where it costs you
- −No companion coupon or upgrade, which is the whole Amtrak card appeal
- −3% foreign transaction fee
- −Thin earning outside Amtrak and dining
The Compound Verdict
The bonus is quietly excellent for a no-fee card because Amtrak points are worth so much toward fares. As a keeper it is a points-expiration shield and not much more. Riders who take even a few trips a year should pay up for the Preferred.
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